Lunar New Year 2026

Terms and Conditions

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1. Promotion Period 

1.1 This promotion (“Promotion”) runs from 16 February 2026 to 8 March 2026, both dates inclusive (“Promotion Period”).

1.2 GYC reserves the right to amend, shorten, extend, suspend or terminate the Promotion at any time, without prior notice or reason.

2. Eligibility  

2.1 The Promotion is open to individuals who meet all of the following criteria: 

  • Possess liquid assets of at least S$1 million; 

  • Are Singapore citizens, permanent residents, or tax residents of Singapore;  

  • Are Non-U.S. persons; 

  • Are existing or new clients of GYC, who maintain or open an account with GYC; and 

  • Are individuals aged 21 or above who are able to deposit Fresh Funds (as defined below). 

2.2 GYC employees and their immediate family members may be excluded from participation at GYC’s sole discretion.  

3. Definition of Fresh Funds 

3.1 “Fresh Funds” refers to new assets introduced into GYC during the Promotion Period that do not originate from: 

  • Existing portfolios managed by GYC; 

  • Transfers between accounts under the same beneficial owner or related parties; or  

  • Withdrawals and subsequent re-deposits into any GYC account during the Promotion Period. 

3.2 For existing clients, all Fresh Fund deposits made during the Promotion Period will be aggregated as a single amount (e.g. S$2 million on Day 1 and S$3 million on Day 8 will be combined as S$5 million, entitling the client to a bonus of S$50,000 – refer to Section 4).

4. Investment Bonus Rewards Structure 

4.1 Eligible participants who deposit Fresh Funds into a GYC account during the Promotion Period will receive an investment bonus (“Bonus”) based on the qualifying deposit amount.

4.2 To remain eligible for the Promotion and the associated Bonus, the investment is required to be maintained for a minimum period of three (3) years from the date of deposit, as further described in Section 6.

4.3 The Bonus will be credited in accordance with the following structure:

4.4 The maximum Bonus payable per participant under this Promotion is capped at S$50,000.

Reward Tiers

Bonuses are subject to this terms and conditions.

$1 million

$2,000

$2 million

$8,000

$3 million

$18,000 

$4 million

$32,000 

$5 million and higher 

$50,000 (max) 

Total Bonus (SGD) 

Deposit Amount (SGD)

5. Participation Rules 

5.1 Each eligible participant is entitled to receive one (1) Bonus only under this Promotion.

5.2 This Promotion cannot be used in conjunction with any other GYC promotions, campaigns, or offers.

6. Investment Period & Reward Details 

6.1 Injection Account (Fresh Funds)

All Fresh Funds invested under this Promotion will be held in a newly opened account under the participant’s name (“Injection Account”).

To remain eligible for the Promotion and the associated Bonus, the Injection Account must be maintained for a minimum period of three (3) years from the date of deposit (the “Initial Maintenance Period”).

During this Initial Maintenance Period, participants may make withdrawals, transfers, or reductions from the Injection Account. However, any such actions will result in the forfeiture of the Bonus, and any returns generated from the Bonus. In all cases, the participant will remain entitled to the original invested principal.

Upon completion of the Initial Maintenance Period, partial withdrawals from the Injection Account may be made without affecting Bonus eligibility, provided that from the fourth (4th) till the twelfth (12th) year following the date of deposit, the account balance is maintained at no less than S$1 million at all times.*

*Excluding reductions in account value resulting solely from market movements.

6.2 Horse Account (Bonus & Returns)

Any Bonus awarded under this Promotion will be credited into a separate newly opened account under the participant’s name (“Horse Account”).  

All amounts within the Horse Account, including the Bonus and any returns generated from the Bonus, shall be subject to a lock-in period of twelve (12) years or until the next Horse Zodiac cycle, whichever occurs later.  

Withdrawals, transfers, or access to funds in the Horse Account will only be permitted upon completion of this lock-in period. 

6.3 Conditions for Bonus Entitlement 

Entitlement to the Bonus and all returns generated from the Bonus is conditional upon the participant satisfying both of the following requirements: 

  • Completion of the Initial Maintenance Period of three (3) years for the Injection Account; and 

  • Continuous maintenance of the minimum balance of S$1 million in the Injection Account from Year 4 through Year 12, excluding reductions attributable solely to market-related fluctuations. 

Failure to satisfy any of the above conditions will result in the forfeiture of the Bonus and any returns generated from the Bonus. 

6.4 Early Withdrawal & Forfeiture 

In the event of any early withdrawal, termination, or reduction of the investment for any reason, including personal or unforeseen circumstances, the participant shall be entitled to receive only the original invested principal.

The Bonus and any returns generated from the Bonus shall be forfeited in full, and GYC reserves the right to reverse or withhold the Bonus accordingly.

 

7. Verification & Compliance  

7.1 GYC reserves the right to conduct verification checks, due diligence, and internal assessments before confirming any participant’s eligibility.

7.2 If GYC, in its sole discretion, suspects any irregularity, malpractice, or breach of these Terms & Conditions, it may disqualify the participant and/or reverse any credited Bonus without prior notice.

 

8. General Conditions 

8.1 Bonuses are strictly non-transferable, non-exchangeable, and not redeemable for cash or other benefits.

8.2 GYC’s decisions on all matters relating to the Promotion, including eligibility, Fresh Funds qualification, and Bonus allocation, shall be final and binding.

8.3 GYC will exercise reasonable care in administering the Promotion but shall not be responsible for any loss, damage, or inconvenience arising from circumstances beyond its reasonable control, including system or technical issues, acts or omissions of third parties, or events such as natural disasters, regulatory changes, or market disruptions.

8.4 Nothing in these terms shall be construed as an offer, recommendation, or solicitation to buy or sell any financial product. Participants acknowledge that all investments involve risk, including the possible loss of principal.

8.5 By participating in the Promotion, participants agree to be bound by these Terms and Conditions.

  

9. Data Privacy 

9.1 By participating in this Promotion, participants consent to the collection, use, and disclosure of their personal data by GYC for the purpose of administering and verifying eligibility for this Promotion, in accordance with GYC’s Privacy Policy. 

9.2 Participants may withdraw their consent at any time by contacting GYC; however, such withdrawal may render the participant ineligible for the Promotion.